Florida Real Estate Transfer Tax Calculator

Florida's documentary stamp tax on deeds runs $0.70 per $100 of consideration, 0.7% of the sale price, in every county in the state except one. Miami-Dade County charges a lower $0.60 per $100 specifically on single-family residence transfers, but adds a separate $0.45 per $100 surtax on any non-single-family transfer, a distinction that does not exist anywhere else in Florida, a reminder that "the Florida rate" is not always a single number.

Florida custom typically has the seller pay the documentary stamp tax at closing, though this is a matter of contract rather than statute and can be negotiated differently between the parties. This calculator applies the standard statewide 0.7% rate that governs the other 66 counties and the large majority of Miami-Dade transactions; a Miami-Dade sale of a condo, duplex, or investment property should account for the additional surtax rather than assuming the statewide figure applies uniformly.

Florida's standard documentary stamp tax is a flat rate applied to the entire sale price:

$$\text{Transfer Tax} = \text{Sale Price} \times 0.007$$

The calculator's engine runs this through the calculateStateRealEstateTransferTax primitive using Florida's statutory statewide rate of 0.007 (0.7%), which reflects the $0.70 per $100 rate charged in every Florida county except Miami-Dade. Miami-Dade's reduced 0.6% rate for single-family residences, and its additional 0.45% surtax on non-single-family transfers, are not modeled in this calculator's baseline and should be applied separately for properties in that specific county.

Using the calculator's baseline $380,000 sale price:

• Sale Price: $380,000
• Florida documentary stamp tax rate (standard, 66 of 67 counties): 0.7% ($0.70 per $100 of consideration)
• Transfer Tax Due: $380,000 × 0.007 = $2,660.00
• Net Proceeds After Tax: $380,000 − $2,660 = $377,340.00
• Effective Rate: 0.700%

At the higher-value scenario of $1,500,000, the same standard rate applies: $1,500,000 × 0.007 = $10,500.00 in tax due. For a comparable single-family home sale inside Miami-Dade County, the tax would instead be calculated at 0.6%: $1,500,000 × 0.006 = $9,000.00, a savings of $1,500 compared to this calculator's standard statewide figure, illustrating the practical impact of Miami-Dade's carve-out.

• Miami-Dade County's reduced single-family rate. Single-family residential transfers in Miami-Dade County are taxed at $0.60 per $100 (0.6%) rather than the statewide $0.70 per $100 (0.7%) standard rate this calculator uses.
• Miami-Dade County's surtax on non-single-family transfers. Commercial property, multi-unit residential buildings, and other non-single-family transfers within Miami-Dade carry an additional $0.45 per $100 surtax on top of the base rate, which this calculator does not model.
• Documentary stamp tax on the note (mortgage). Florida separately taxes promissory notes secured by Florida real property at $0.35 per $100 of the loan amount. This is a distinct tax from the deed transfer tax modeled here and applies to the buyer's financing amount, not the sale price.
• Recording fees and title insurance. Florida county clerks charge separate flat recording fees, and Florida's title insurance premiums (which follow a state-promulgated rate schedule) are entirely separate from the documentary stamp tax.

• Applying the standard 0.7% rate to a Miami-Dade single-family sale. This overstates the tax by roughly 14% relative to the correct 0.6% rate for single-family residences in that specific county.
• Forgetting the Miami-Dade surtax on non-single-family property. Commercial and multi-unit transfers within Miami-Dade are taxed at a combined rate above the statewide standard once the $0.45 per $100 surtax is added, the opposite direction of error from the single-family reduction.
• Confusing the deed documentary stamp tax with the note documentary stamp tax. Florida charges two separate documentary stamp taxes in a typical financed purchase: one on the deed (0.7% of sale price, or the applicable Miami-Dade rate) and one on the mortgage note (0.35% of loan amount). Conflating the two, or applying one rate to the wrong base, produces an incorrect total.
• Assuming the seller always pays. Florida custom commonly has the seller pay the documentary stamp tax on the deed, but this is set by the purchase contract, not by statute, and can be negotiated differently, particularly in a strong seller's market.

• Florida Department of Revenue: Documentary Stamp Tax on Deeds guidance
• Engine table: engine/tables/2026/state-real-estate-transfer-tax.json, Florida entry, verified 2026-08-21